The scapula forms the back of the shoulder girdle. In humans, it is a flat bone, roughly triangular in shape, placed on a posterolateral aspect of the thoracic cage.
Term life insurance with a return of premium rider allows the owner to get his or her money back at the end of the contract period. The return of premium rider allows the owner to cancel the policy and get back a portion of the paid in premiums. Of course, this optional rider has pros and cons, which we explore next.
Term life insurance is coverage that lasts for a limited period of time, anywhere from 10 to 30 years (Opens Pop-up Layer) . During this term your payments and coverage are guaranteed to remain the same.Typically, a term policy will only pay out if you die during the term.Our term life insurance policies offer 10, 15,20, 25 and 30 year terms.uring this term your payments and coverage are guaranteed to remain the same. Typically, a term policy will only pay out if you die during the term. Our term life insurance policies offer 10, 15, 20, 25 and 30 year terms.